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Pensions

Planning for the future doesn’t have to be complicated (or stressful!).

If you’re self-employed, saving for retirement is entirely your responsibility, as you don’t have an employer.

The good news is there are flexible, tax-efficient pension options designed specifically for the self employed (sole traders).

In this section, we cover the best pension plans for the self-employed, how much you can contribute, and how to make the most of the tax breaks available.

not too late pension self employed

It’s never too late to start saving for a pension if you’re self-employed

July 6, 2025
Left it late to start a pension? If you’re self-employed, here’s how to catch up, claim tax relief, and build a pot from scratch.
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pension inheritance tax 2027

What the 2027 Inheritance Tax changes mean for your pension

July 6, 2025
If you’re self-employed and saving into a pension, some big changes are coming from April 2027 that could affect what happens to your pension when you die.
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self employed pension

How do pensions work if you’re a sole trader?

March 24, 2025
Starting a pension to save for your retirement is fairly straightforward. Here’s what you need to know about setting up a pension if you’re a sole trader.
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self employed SIPP

Simple guide to SIPPs for the self-employed

February 11, 2025
A Self-Invested Personal Pension (SIPP) is a popular way of saving for retirement for the self employed. Read our simple summary to find out more.
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self employed pension IFS

55% of self employed will have no private pension savings at retirement if trends continue

September 10, 2024
A new study by the Institute of Fiscal Studies (IFS) reveals a startling difference in pension saving patterns between the self employed and employees.
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